ACH Specialist 2 (Limited Duration) at Peak Credit Union

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Full Time

Start Date

Immediate

Expiry Date

25 Mar, 26

Salary

22.77

Posted On

25 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

ACH Operations, Electronic Funds Transfers, GL Balancing, Fraud Monitoring, Risk Mitigation, Regulatory Adherence, Interpersonal Skills, Communication Skills, Attention to Detail, Compliance Standards, Problem Solving, Multitasking, Prioritization, Report Interpretation, Account Reconciliation, Troubleshooting

Industry

Financial Services

Description

To maintain a strong connection with our members and local communities and better understand their unique needs, we are currently considering applications from candidates residing in Oregon and Washington for all open positions. We appreciate your understanding as we focus our hiring efforts in these specific regions. And, we encourage all qualified candidates from these states to apply, as we look forward to learning more about your unique skills and experience! Applicants are encouraged to apply by December 31st, 2025. Job postings are subject to close early or extend longer than the anticipated closing date. We recommend applying as soon as possible. Where You Will Work: Remote role open to candidates residing in Washington (WA) or Oregon (OR). (Branches) Status: Limited Duration (Expected to end in December 2026) Pay Range: The target hourly pay range for this position is $18.21-$22.77. The full hourly pay range is $18.21-$27.33. We provide an additional $2.00 per hour bilingual differential for those employees who can support our members' financial needs effectively in a second language; subject to verification of strong grasp of financial terms utilizing language skillset. Compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer of employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. Job Overview: This position ensures accurate, timely, and compliant processing of Automated Clearing House (ACH) transactions. Focuses on daily ACH operations, regulatory adherence (NACHA, Reg E, FRB), fraud monitoring, and risk mitigation. Acting as a second-tier resource for frontline staff, the specialist resolves complex ACH inquiries, supports operational continuity during holidays or unexpected events, and maintains compliance with OFAC regulations. What you'll do: Reviews ACH reports (DNE, Hold, Death Date, Loan Skip, Paid Loan) and ensures accurate processing of incoming/outgoing files. Handles ACH Reclamations, Stop Payments, Originated Returns, and Electronic Funds Transfers (setup, changes, cancellations). Maintains adherence to NACHA, Reg E, FRB regulations, and perform OFAC checks. Identifies potential fraud trends and escalate concerns appropriately. Addresses inquiries, disputes, trace requests, and research issues promptly. Oversees external transfers and manage exception reports. Performs GL balancing and ensure accurate reconciliation of ACH activities. Prepares state payroll ACH files and draft Letters of Indemnity. Acts as second-tier support for ACH inquiries and assist in updating internal documentation/FAQs. Responds during holidays or crises to maintain uninterrupted service. All other duties as assigned. When You'll Be Working: Monday through Friday 8:00 AM PST to 5:00 PM PST. Occasional Saturdays as needed. Qualifications: A minimum of two (2) years experience in ACH operations, electronic funds transfers, or similar financial operations role. Experience with GL balancing and exception handling. Bonus Points If You Have: Bachelor's Degree in Business, Finance or related field of study. AAP (Accredited ACH Professional) certification preferred. What You’ll Bring: Excellent interpersonal and communication skills for teamwork and vendor relations. Knowledge of ACH systems, GL balancing, and relevant compliance regulations (NACHA, Reg E, etc.). Ability to multitask, prioritize, and perform effectively under time constraints. High attention to detail and commitment to compliance standards. Ability to interpret reports, reconcile accounts, and troubleshoot complex ACH issues. Total Rewards: This position is eligible for benefits. Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Includes an option for Medical, Dental, and Vision insurance to be paid at a 100% by company for the employee only coverage. We also offer Health Care FSA (HCFSA), Health Savings Account (HSA) with employer contributions, and Dependent Care FSA (DCFSA). Employees also have access to Life and AD&D insurance. Employees are able to enroll in our 401k plan. Full-Time Regular employees accrue 8 hours of vacation and 8 hours of sick leave, on a monthly basis. Full-Time Regular hired employees also receive 11 paid holidays throughout the calendar year, 1 floating holiday, 16 hours of self-care time, and 16 hours of volunteer time. All benefits start the first of the month following date of hire. Peak Credit Union participates in E-Verify. We use E-Verify to confirm the identity and employment eligibility of all persons hired to work in the United States. For more information on E-Verify, please click here: E-Verify Participation Poster English and Spanish For more information on Right to Work, please click here: Right to Work Peak Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity Posters If you’d like to view a copy of the company’s affirmative action plan or policy statement, please email Careers@peakcu.org. If you have a disability and you believe you need a reasonable accommodation in order to search for a job opening or to submit an online application, please e-mail Careers@peakcu.org. This email is created exclusively to assist disabled job seekers whose disability prevents them from being able to apply online. Only messages left for this purpose will be returned. Messages left for other purposes, such as following up on an application or technical issues not related to a disability, will not receive a response. Equal Opportunity Employer Veterans/Disabled Equal Opportunity is the Law Posting Pay Transparency Nondiscrimination Posting When you apply to a job on this site, the personal data contained in your application will be collected by Peak Credit Union. Your personal data will be processed for the purposes of managing the Credit Union’s recruitment related activities, which include setting up and conducting interviews and tests for applicants, evaluating and assessing the results thereto, and as is otherwise needed in the recruitment and hiring processes. Such processing is legally permissible under state and federal law. Your personal data will be shared with Greenhouse Software, Inc., a cloud services provider located in the United States of America and engaged by the Credit Union to help manage its recruitment and hiring process. Your personal data will be retained by the Credit Union as long as the Credit Union determines it is necessary to evaluate your application for employment and as required under applicable state and federal law. Greenhouse is under contractual obligation to keep such information confidential, and the Credit Union’s privacy practices comply with all applicable state and federal laws.

Responsibilities

The ACH Specialist ensures accurate, timely, and compliant processing of ACH transactions while acting as a second-tier resource for frontline staff. Responsibilities include handling ACH inquiries, fraud monitoring, and maintaining compliance with regulations.